How Much Does Trading 212 Cost in the UK?
Trading 212 is a free investment platform — there are no monthly subscription fees, no commission on trades, and no account maintenance charges. The platform makes money through the spread on CFD trades, foreign exchange fees, and interest on uninvested cash. According to Trading 212, the platform has over 3 million UK users.
| Account Type | Monthly Cost | Features |
|---|---|---|
| Invest (Stocks & Shares ISA) | £0 | Commission-free UK and US shares, ETFs, ISA wrapper |
| CFD | £0 | Leveraged trading (higher risk), no commission |
| Cash ISA | £0 | Cash savings in ISA wrapper |
Trading 212 offers a Stocks & Shares ISA with no platform fee — most competitors charge 0.15-0.45% annually. The platform supports fractional shares from as little as £1.
Compare all options on our UK Finance subscriptions page.
Does Trading 212 Have Any Fees?
While there are no subscription fees, Trading 212 charges a 0.15% foreign exchange fee when buying non-GBP shares (e.g., US stocks). There is no inactivity fee, no deposit fee, and no withdrawal fee. Interest is earned on uninvested cash.
The absence of monthly fees means there is nothing to cancel or track for recurring charges. However, if you have other investment platforms or financial subscriptions, Prunely helps track them all.
How to Close Trading 212 in the UK
- Sell or transfer your investments
- Withdraw your cash balance
- Contact Trading 212 support to request account closure
- Confirm closure via email
Your ISA can be transferred to another provider without losing its tax-free status.
See also our guides to Revolut Premium UK subscription and Monzo Plus UK subscription.
Is Trading 212 Worth It in 2026?
Trading 212 is the best free investment platform for UK beginners. Commission-free trading and a £0 ISA fee make it cheaper than Hargreaves Lansdown, AJ Bell, and most traditional brokers.
| Pros | Cons |
|---|---|
| Completely free — no monthly or annual fees | 0.15% FX fee on non-GBP investments |
| Commission-free share dealing | Limited research tools vs premium brokers |
| Free Stocks & Shares ISA (most charge 0.15-0.45%) | No SIPP (pension) available |
| Fractional shares from £1 | Customer support can be slow during busy periods |
| AutoInvest pies for automated portfolio building | CFD trading is high-risk (73% of CFD accounts lose money) |
For general investing, Trading 212 is hard to beat on cost. For pensions and advanced research, Hargreaves Lansdown or AJ Bell may be worth their fees.
Track Your Financial Subscriptions with Prunely
While Trading 212 is free, Prunely helps you track all paid financial subscriptions — premium banking, investment platforms, and fintech tools. Track alongside all subscriptions — no bank connection needed. Prunely is free for up to 5 subscriptions.
Frequently Asked Questions
Does Trading 212 charge monthly fees?
No. Trading 212 has no monthly fees, no commission on trades, and no ISA platform fee. The only fee is 0.15% on foreign exchange when buying non-GBP shares.
Is Trading 212 safe?
Yes. Trading 212 is authorised by the FCA. Client funds are held in segregated accounts. Investments are protected up to £85,000 by the FSCS. The platform uses bank-level encryption.
Is Trading 212 better than Freetrade?
Both offer commission-free trading. Trading 212 offers a free ISA (Freetrade charges £5.99/month). Trading 212 has more features (AutoInvest pies, more share types). Trading 212 is generally the better free option.
Can I have an ISA with Trading 212?
Yes. Trading 212 offers a Stocks & Shares ISA with no platform fee — one of the cheapest ISAs in the UK. You can invest up to £20,000 per tax year tax-free.
How do I close Trading 212?
Sell your investments, withdraw your cash, then contact Trading 212 support to close your account. ISAs can be transferred to another provider. There are no closure fees.